BAC Florida Bank Coral Gables, Florida. Florida Bank and Thrift Performance Report

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1 BAC Florida Bank Coral Gables, Florida Established 10/12/1973 Florida Bank and Thrift Performance Report Table of Contents Title Page PEER GROUP POSITION 1 EXECUTIVE SUMMARY 2 SELECTED FINANCIAL DATA 3 SECURITIES COMPOSITION 4 LOAN PORTFOLIO COMPOSITION 5 LOAN PORTFOLIO QUALITY 6 DEPOSIT BASE COMPOSITION 7 INTEREST INCOME COMPOSITION 8 INTEREST EXPENSE COMPOSITION 9 NONINTEREST INCOME COMPOSITION 10 NONINTEREST EXPENSE COMPOSITION 11 PEER GROUP COMPARISON FLORIDA BANKING TEAM David Ajvazi, Jessica Baker, Robert Brink, Amanda Charnley, Jessica Cummings Damion Dias, Chelsea Bess, Ed Hacker, Ted Hacker, Renato Hidalgo Geoffrey Higgins, Erica Hines, Mariana Abuaita, Steve Kania, Jonathan Smith Shane Meteiver, Carson Moss, Peter Nayman, Nick Newton, Dennis Paleveda Lynda Saint Joas, Patrick Smith, Tom Smith, Michael Squitieri Michael Wells, Sacha Widmaier, Jake Jerrett, Steven Levy, Rafael Zambrano Justin Chakkala, Van Hoang, Faith Burdell, Martin Akerman, Andrew Joyce Sandra Tapia, Erico Silva Information contained herein was obtained from SNL is believed to be reliable however, accuracy is not guaranteed and all peer and state averages are simple averages.

2 PEER GROUP POSITION For the For the three months ended March 31, 2015 Institution Name Total Assets ($000') Institution Name Return on Avg. Assets (%) BankUnited, National Association 19,822,955 Mercantil Commercebank Trust Company, National Associat 3.54 Mercantil Commercebank, National Association 8,110,427 Continental National Bank 1.75 Capital Bank, National Association 6,975,792 Plus International Bank 1.35 City National Bank of Florida 5,574,930 Biscayne Bank 1.31 Sabadell United Bank, N.A. 4,737,834 Pacific National Bank 1.28 Ocean Bank 3,236,784 First State Bank of the Florida Keys 1.10 TotalBank 2,692,325 BankUnited, National Association 0.97 BAC Florida Bank 1,635,699 City National Bank of Florida 0.83 Gibraltar Private Bank & Trust Co. 1,584,687 Sunstate Bank 0.78 U.S. Century Bank 912,502 BAC Florida Bank 0.76 Banesco USA 893,483 Capital Bank, National Association 0.75 First State Bank of the Florida Keys 838,360 1st National Bank of South Florida 0.74 Helm Bank USA 750,669 Ocean Bank 0.73 Espirito Santo Bank 651,736 Community Bank of Florida, Inc Coconut Grove Bank 629,136 Sabadell United Bank, N.A First National Bank of South Miami 610,659 Apollo Bank 0.58 Biscayne Bank 536,627 Banco Do Brasil Americas 0.56 Apollo Bank 491,063 TotalBank 0.56 Community Bank of Florida, Inc. 479,205 Executive National Bank 0.51 Eastern National Bank 401,528 Marquis Bank 0.43 Pacific National Bank 379,484 Terrabank, N.A Continental National Bank 377,941 Eastern National Bank 0.39 Executive National Bank 338,690 First National Bank of South Miami st National Bank of South Florida 331,273 Mercantil Commercebank, National Association 0.32 International Finance Bank 323,772 Intercontinental Bank 0.29 Intercredit Bank, NA 318,627 Helm Bank USA 0.26 Marquis Bank 304,590 Banesco USA 0.20 Terrabank, N.A. 295,510 Intercredit Bank, NA 0.18 Banco Do Brasil Americas 283,685 Professional Bank 0.17 Professional Bank 265,933 Interamerican Bank, A FSB 0.16 Interamerican Bank, A FSB 219,709 International Finance Bank 0.09 Sunstate Bank 179,002 Coconut Grove Bank 0.08 Intercontinental Bank 160,738 Gibraltar Private Bank & Trust Co. (0.48) Plus International Bank 125,817 Espirito Santo Bank (2.07) Mercantil Commercebank Trust Company, National Associatio 8,691 U.S. Century Bank (5.24) 1

3 EXECUTIVE SUMMARY - BAC Florida Bank (Percentage) Period Ending: 3/31/ /31/2014 3/31/ /31/2013 State Avg. Peer Avg. CAPITAL RATIOS Equity/Assets Leverage Ratio Tier 1 Cap/Risk Based Assets Risk Based Ratio BALANCE SHEET RATIOS: Loan/Deposit Ratio Loans/Assets Securities/Assets PROFITABILITY: Return On Avg Assets Return on Avg Equity Nonint Income/Avg Assets Overhead Ratio Efficiency Ratio Assets per Employee (per million) ASSET QUALITY: Reserves/Loans Nonper Loans/Loans NPA Excluding Restructured Loans/ Total Assets Nonper Assets/Assets YIELDS & COSTS: Yield on earning assets Cost of funds Net interest margin Avg Earning Assets/ Avg Assets

4 SELECTED FINANCIAL DATA - BAC Florida Bank (Dollars in Thousands) $ Change % Change As of: 3/31/ /31/2014 3/31/ /31/ MTHS 12 MTHS Total Assets $ 1,635,699 $ 1,611,908 $ 1,455,137 $ 1,424,018 $ 180, Cash and Equivalents 244, , , ,181 59, Securities 55,427 57,837 87,665 88,097 (32,238) (36.77) Loans, net 1,272,961 1,250,035 1,122,266 1,098, , Deposit Accounts 1,297,059 1,275,847 1,124,890 1,092, , Fed Funds & Repos 37,000 37,000 37,000 37, Total Equity 136, , , ,890 12, $ Change % Change Period Ending: 3/31/ /31/2014 3/31/ /31/ MTHS 12 MTHS Net Earnings $ 3,052 $ 10,777 $ 2,236 $ 7,821 $ Interest Income 13,929 51,973 12,317 46,554 1, Interest Expense 3,131 12,060 2,845 11, Net Interest Income 10,798 39,913 9,472 35,204 1, Prov for Loan Loss - 1, ,000 (480) (100.00) Non Interest Income 2,096 10,352 2,464 11,951 (368) (14.94) Gain on Sale of Securities (9) 564 (1) (1,370) (8) Non Interest Expense 8,086 33,176 7,955 31, Net Operating Income 4,808 16,089 3,501 13,560 1, Income Taxes 1,747 5,866 1,262 4, (Amounts in $000) $1,700,000 Total Assets $1,650,000 $1,600,000 $1,550,000 $1,500,000 $1,450,000 $1,400,000 $1,350,000 $1,300,000 3/31/ /31/2014 3/31/ /31/2013 (Amounts in $000) $12,000 Net Earnings $10,000 $8,000 $6,000 $4,000 $2,000 $- 3/31/ /31/2014 3/31/ /31/2013 3

5 SECURITIES COMPOSITION - BAC Florida Bank (Dollars in Thousands) $ Change % Change As of: 3/31/ /31/2014 3/31/ /31/ MTHS 12 MTHS SECURITIES CATEGORY: US Treasury $ - $ - $ - $ - $ - NA State & Munip NA Mortgage backed 17,779 18,214 18,328 18,494 (549) (3.00) Equities 2,169 2,164 2,195 2,187 (26) (1.18) Agency 25,396 25,374 30,500 28,571 (5,104) (16.73) Other 10,083 12,085 36,642 38,845 (26,559) (72.48) Total Securities $ 55,427 $ 57,837 $ 87,665 $ 88,097 $ (32,238) (36.77) (Amounts in $000) $100,000 $90,000 $80,000 $70,000 $60,000 $50,000 $40,000 $30,000 $20,000 $10,000 $- Securities Composition at End of Period 3/31/ /31/2014 3/31/ /31/2013 US Treasury State & Munip Mortgage backed Equities Agency Other 4

6 LOAN PORTFOLIO COMPOSITION - BAC Florida Bank (Dollars in Thousands) $ Change % Change As of: 3/31/ /31/2014 3/31/ /31/ MTHS 12 MTHS LOAN CATEGORY: 1-4 Family Res RE $ 934,064 $ 903,601 $ 799,923 $ 777,776 $ 134, Commercial RE 18,639 24,171 22,114 21,539 (3,475) (15.71) Commercial 129, , , ,303 13, Consumer & Other 190, , , ,639 6, Loans, Net $ 1,272,961 $ 1,250,035 $ 1,122,266 $ 1,098,257 $ 150, (Amounts in $000) $1,400,000 Loan Composition at End of Period $1,200,000 $1,000,000 $800,000 $600,000 $400,000 $200,000 $- 3/31/ /31/2014 3/31/ /31/ Family Res RE Commercial RE Commercial Consumer & Other 5

7 LOAN PORTFOLIO QUALITY - BAC Florida Bank (Dollars in Thousands) $ Change % Change As of: 3/31/ /31/2014 3/31/ /31/ MTHS 12 MTHS LOAN LOSS RESERVE ACTIVITY: Beginning Balance $ 16,536 $ 16,590 $ 16,590 $ 17,513 $ (54) (0.33) Total Recoveries (120) (83.33) Total Charge-offs 251 1, ,261 (401) (61.50) Provision Expense - 1, ,000 (480) (100.00) Writedown transfer Loans HFS NA Adjustments NA Ending Balance $ 16,309 $ 16,536 $ 16,562 $ 16,590 $ (253) (1.53) NON-PERFORMING ASSETS: Total-90+ Days Past Due $ - $ - $ - $ - $ - NA Total-NonAccrual 9,898 10,228 19,145 23,353 (9,247) (48.30) Foreclosed Real Estate 4,839 7,348 3,785 1,280 1, Total non-perf. Assets $ 14,737 $ 17,576 $ 22,930 $ 24,633 $ (8,193) (35.73) 6

8 DEPOSIT BASE COMPOSITION - BAC Florida Bank (Dollars in Thousands) $ Change % Change As of: 3/31/ /31/2014 3/31/ /31/ MTHS 12 MTHS DEPOSIT BASE CATEGORY: Demand Deposits $ 79,666 $ 100,883 $ 83,612 $ 97,202 $ (3,946) (4.72) Money Market 539, , , ,688 60, Regular Savings 11,466 11,589 10,097 9,422 1, Certificates of Deposit 601, , , ,501 93, Other non-int deposits 65, ,155 44,470 54,950 20, Total Deposits $ 1,297,059 $ 1,275,847 $ 1,124,890 $ 1,092,763 $ 172, (Amounts in $000) $1,400,000 Deposit Base Composition at End of Period $1,200,000 $1,000,000 $800,000 $600,000 $400,000 $200,000 $- 3/31/ /31/2014 3/31/ /31/2013 Demand Deposits Money Market Regular Savings Certificates of Deposit Other non-int deposits 7

9 INTEREST INCOME COMPOSITION - BAC Florida Bank (Dollars in Thousands) $ Change % Change As of: 3/31/ /31/2014 3/31/ /31/ MTHS 12 MTHS INTEREST INCOME CATEGORY: Loans $ 13,450 $ 49,810 $ 11,641 $ 44,530 $ 1, Securities 241 1, ,330 (207) (46.21) Fed Funds All Other (24) (21.62) Total Int Income $ 13,929 $ 51,973 $ 12,317 $ 46,554 $ 1, (Amounts in $000) $60,000 Interest Income Composition $50,000 $40,000 $30,000 $20,000 $10,000 $- 3/31/ /31/2014 3/31/ /31/2013 Loans Securities Fed Funds All Other 8

10 INTEREST EXPENSE COMPOSITION - BAC Florida Bank (Dollars in Thousands) $ Change % Change Period Ending 3/31/ /31/2014 3/31/ /31/ MTHS 12 MTHS INTEREST EXPENSE CATEGORY: Deposits $ 2,076 $ 7,562 $ 1,710 $ 6,188 $ Fed Funds 387 1, , Other borrowings 668 2, ,594 (80) (10.70) Total Int Expense $ 3,131 $ 12,060 $ 2,845 $ 11,350 $ (Amounts in $000) $14,000 Interest Expense Composition $12,000 $10,000 $8,000 $6,000 $4,000 $2,000 $- 3/31/ /31/2014 3/31/ /31/2013 Deposits Fed Funds Other borrowings 9

11 NON INTEREST INCOME COMPOSITION - BAC Florida Bank (Dollars in Thousands) $ Change % Change Period Ending 3/31/ /31/2014 3/31/ /31/ MTHS 12 MTHS NON INTEREST INCOME CATEGORY: Fiduciary Activities $ - $ - $ - $ - $ - NA Service Charges (7) (6.86) Other Noninterest Income 2,001 9,975 2,362 11,555 (361) (15.28) Total Nonint. Income $ 2,096 $ 10,352 $ 2,464 $ 11,951 $ (368) (14.94) (Amounts in $000) $14,000 Non Interest Income Composition $12,000 $10,000 $8,000 $6,000 $4,000 $2,000 $- 3/31/ /31/2014 3/31/ /31/2013 Fiduciary Activities Service Charges Other Noninterest Income 10

12 NON INTEREST EXPENSE COMPOSITION - BAC Florida Bank (Dollars in Thousands) $ Change % Change Period Ending 3/31/ /31/2014 3/31/ /31/ MTHS 12 MTHS NON INTEREST EXPENSE CATEGORY: Salaries & Benefits $ 4,574 $ 17,431 $ 4,310 $ 15,977 $ Occupancy & Equipment 656 2, , Other NonInt. Expense 2,856 13,360 3,004 13,075 (148) (4.93) Total NonInt. Expense $ 8,086 $ 33,176 $ 7,955 $ 31,595 $ (Amounts in $000) $35,000 Non Interest Expense Composition $30,000 $25,000 $20,000 $15,000 $10,000 $5,000 $- 3/31/ /31/2014 3/31/ /31/2013 Salaries & Benefits Occupancy & Equipment Other NonInt. Expense 11

13 BALANCE SHEET Total Assets ($000) Institution Name This Year Last Year %Change in Assets Banco Do Brasil Americas 283, , Apollo Bank 491, , Biscayne Bank 536, , Plus International Bank 125,817 91, BankUnited, National Association 19,822,955 15,602, Marquis Bank 304, , Sabadell United Bank, N.A. 4,737,834 4,029, Mercantil Commercebank, National Association 8,110,427 6,899, Professional Bank 265, , First National Bank of South Miami 610, , BAC Florida Bank 1,635,699 1,455, City National Bank of Florida 5,574,930 5,016, Banesco USA 893, , Sunstate Bank 179, , Pacific National Bank 379, , Eastern National Bank 401, , Terrabank, N.A. 295, , Capital Bank, National Association 6,975,792 6,552, U.S. Century Bank 912, , Continental National Bank 377, , st National Bank of South Florida 331, , TotalBank 2,692,325 2,570, Coconut Grove Bank 629, , Executive National Bank 338, , Gibraltar Private Bank & Trust Co. 1,584,687 1,568, Mercantil Commercebank Trust Company, National Associatio 8,691 8,724 (0.38) Ocean Bank 3,236,784 3,265,400 (0.88) Interamerican Bank, A FSB 219, ,660 (0.88) Community Bank of Florida, Inc. 479, ,991 (1.19) First State Bank of the Florida Keys 838, ,400 (1.65) Intercredit Bank, NA 318, ,530 (3.31) Intercontinental Bank 160, ,017 (3.76) Helm Bank USA 750, ,358 (3.93) International Finance Bank 323, ,582 (6.58) Espirito Santo Bank 651, ,623 (11.28) Select Peer Average 1,870,853 1,635,

14 BALANCE SHEET Total Loans ($000) Institution Name This Year Last Year % Change in Loans Mercantil Commercebank Trust Company, National Associatio 0 0 NA Banco Do Brasil Americas 131,305 69, Apollo Bank 319, , Biscayne Bank 447, , Professional Bank 209, , BankUnited, National Association 13,241,120 9,975, Sabadell United Bank, N.A. 3,404,465 2,790, Marquis Bank 221, , City National Bank of Florida 3,550,219 2,917, Banesco USA 646, , st National Bank of South Florida 210, , TotalBank 1,851,584 1,602, Coconut Grove Bank 232, , BAC Florida Bank 1,289,270 1,138, First National Bank of South Miami 248, , Capital Bank, National Association 5,078,009 4,546, Continental National Bank 218, , Executive National Bank 248, , Mercantil Commercebank, National Association 5,404,974 4,885, Terrabank, N.A. 203, , First State Bank of the Florida Keys 459, , Intercredit Bank, NA 225, , Sunstate Bank 81,655 76, Intercontinental Bank 36,231 34, Eastern National Bank 334, , U.S. Century Bank 726, , Community Bank of Florida, Inc. 345, , Helm Bank USA 429, , Ocean Bank 2,241,991 2,197, Pacific National Bank 165, ,993 (0.53) Interamerican Bank, A FSB 166, ,649 (0.99) Gibraltar Private Bank & Trust Co. 1,412,010 1,429,866 (1.25) International Finance Bank 222, ,340 (8.86) Plus International Bank 41,169 45,805 (10.12) Espirito Santo Bank 375, ,226 (31.48) Select Peer Average 1,269, ,081,

15 BALANCE SHEET RATIOS For the three months ended March 31, 2015 Institution Name Loans/Deposits Gross Loans/ Assets Securities/ Assets Mercantil Commercebank Trust Company, National Association NA Gibraltar Private Bank & Trust Co Eastern National Bank Biscayne Bank BAC Florida Bank TotalBank Intercredit Bank, NA Sabadell United Bank, N.A Professional Bank U.S. Century Bank BankUnited, National Association Capital Bank, National Association Marquis Bank Banesco USA Interamerican Bank, A FSB Pacific National Bank Executive National Bank Mercantil Commercebank, National Association City National Bank of Florida Espirito Santo Bank International Finance Bank Community Bank of Florida, Inc Ocean Bank Terrabank, N.A st National Bank of South Florida First State Bank of the Florida Keys Apollo Bank Continental National Bank Helm Bank USA Banco Do Brasil Americas Sunstate Bank First National Bank of South Miami Coconut Grove Bank Plus International Bank Intercontinental Bank Select Peer Average

16 ASSET QUALITY RATIOS For the three months ended March 31, 2015 Institution Name Reserves/Loans Nonper Loans/Loans NPA Excluding Restructured Loans/ Total Assets (%) Nonper Assets/Assets Intercontinental Bank Mercantil Commercebank Trust Company, National Associatio NA NA - - Plus International Bank First National Bank of South Miami Professional Bank Biscayne Bank BankUnited, National Association Banco Do Brasil Americas City National Bank of Florida Eastern National Bank Mercantil Commercebank, National Association Terrabank, N.A Sabadell United Bank, N.A Marquis Bank Banesco USA Continental National Bank TotalBank Coconut Grove Bank Pacific National Bank Capital Bank, National Association Espirito Santo Bank Apollo Bank Executive National Bank Intercredit Bank, NA Sunstate Bank International Finance Bank Helm Bank USA Gibraltar Private Bank & Trust Co First State Bank of the Florida Keys Ocean Bank BAC Florida Bank st National Bank of South Florida Community Bank of Florida, Inc U.S. Century Bank Interamerican Bank, A FSB Select Peer Average

17 CAPITAL RATIOS For the three months ended March 31, 2015 Institution Name Equity/ Assets Leverage Ratio Tier 1 Risk-based Ratio Risk Based Capital Ratio Mercantil Commercebank Trust Company, National Associatio Banco Do Brasil Americas Coconut Grove Bank City National Bank of Florida Pacific National Bank Marquis Bank Sunstate Bank Helm Bank USA TotalBank Intercontinental Bank Plus International Bank Capital Bank, National Association Interamerican Bank, A FSB International Finance Bank Apollo Bank Terrabank, N.A Ocean Bank Sabadell United Bank, N.A Executive National Bank Banesco USA Eastern National Bank st National Bank of South Florida Mercantil Commercebank, National Association Continental National Bank Intercredit Bank, NA First State Bank of the Florida Keys U.S. Century Bank Community Bank of Florida, Inc BankUnited, National Association BAC Florida Bank First National Bank of South Miami Gibraltar Private Bank & Trust Co Professional Bank Biscayne Bank Espirito Santo Bank Select Peer Average

18 PROFITABILITY RATIOS For the three months ended March 31, 2015 Institution Name Avg Total Assets ($000) Return on Avg Assets Return on Avg Equity Mercantil Commercebank Trust Company, National Association 9, Continental National Bank 376, Plus International Bank 129, Biscayne Bank 518, Pacific National Bank 380, First State Bank of the Florida Keys 815, BankUnited, National Association 19,267, City National Bank of Florida 5,401, Sunstate Bank 184, BAC Florida Bank 1,603, Capital Bank, National Association 6,855, st National Bank of South Florida 325, Ocean Bank 3,238, Community Bank of Florida, Inc. 471, Sabadell United Bank, N.A. 4,644, Apollo Bank 472, Banco Do Brasil Americas 267, TotalBank 2,650, Executive National Bank 325, Marquis Bank 288, Terrabank, N.A. 286, Eastern National Bank 396, First National Bank of South Miami 589, Mercantil Commercebank, National Association 7,856, Intercontinental Bank 158, Helm Bank USA 744, Banesco USA 895, Intercredit Bank, NA 329, Professional Bank 253, Interamerican Bank, A FSB 214, International Finance Bank 322, Coconut Grove Bank 633, Gibraltar Private Bank & Trust Co. 1,571,979 (0.48) (5.70) Espirito Santo Bank 649,420 (2.07) (28.88) U.S. Century Bank 859,507 (5.24) (73.74) Select Peer Average 1,828,

19 PROFITABILITY RATIOS For the three months ended March 31, 2015 Institution Name Noninterest Income/Avg Assets Overhead Ratio Efficiency Ratio Assets per Employee (per million) Biscayne Bank Continental National Bank City National Bank of Florida BankUnited, National Association BAC Florida Bank Sabadell United Bank, N.A Capital Bank, National Association First State Bank of the Florida Keys Marquis Bank Ocean Bank TotalBank Community Bank of Florida, Inc Apollo Bank Plus International Bank First National Bank of South Miami st National Bank of South Florida Intercontinental Bank Mercantil Commercebank, National Association Mercantil Commercebank Trust Company, National Associatio (3.85) Executive National Bank Eastern National Bank Professional Bank Terrabank, N.A Banesco USA Intercredit Bank, NA Sunstate Bank Banco Do Brasil Americas International Finance Bank Helm Bank USA Coconut Grove Bank Interamerican Bank, A FSB Pacific National Bank Gibraltar Private Bank & Trust Co U.S. Century Bank Espirito Santo Bank Select Peer Average

20 STATEMENT OF CONDITION (% OF ASSETS) For the three months ended March 31, 2015 Institution Name Cash and Nonintbearing Deposits Interest-bearing Bal Fed fund Sold & Repos Banco Do Brasil Americas Plus International Bank Intercontinental Bank Eastern National Bank Apollo Bank International Finance Bank Continental National Bank Terrabank, N.A Sunstate Bank Gibraltar Private Bank & Trust Co Coconut Grove Bank Intercredit Bank, NA U.S. Century Bank Professional Bank Executive National Bank BAC Florida Bank st National Bank of South Florida Marquis Bank TotalBank Capital Bank, National Association Community Bank of Florida, Inc City National Bank of Florida First State Bank of the Florida Keys Interamerican Bank, A FSB Helm Bank USA Ocean Bank Sabadell United Bank, N.A Mercantil Commercebank, National Association Biscayne Bank Espirito Santo Bank Banesco USA First National Bank of South Miami Pacific National Bank BankUnited, National Association Mercantil Commercebank Trust Company, National Association Select Peer Average

21 STATEMENT OF CONDITION (% OF ASSETS) For the three months ended March 31, 2015 Institution Name Held to Maturity Securities Available for Sale Securities Net Loans & Leases Gibraltar Private Bank & Trust Co Biscayne Bank Eastern National Bank Professional Bank BAC Florida Bank U.S. Century Bank Interamerican Bank, A FSB Executive National Bank Capital Bank, National Association Banesco USA Marquis Bank Sabadell United Bank, N.A Community Bank of Florida, Inc Intercredit Bank, NA Ocean Bank TotalBank Terrabank, N.A International Finance Bank BankUnited, National Association Mercantil Commercebank, National Association Apollo Bank st National Bank of South Florida City National Bank of Florida Continental National Bank Espirito Santo Bank Helm Bank USA First State Bank of the Florida Keys Banco Do Brasil Americas Sunstate Bank Pacific National Bank First National Bank of South Miami Coconut Grove Bank Plus International Bank Intercontinental Bank Mercantil Commercebank Trust Company, National Association Select Peer Average

22 STATEMENT OF CONDITION (% OF ASSETS) For the three months ended March 31, 2015 Institution Name Premises & Fixed Assets Total Other Real Est Owned Intangible Assets Eastern National Bank Espirito Santo Bank Executive National Bank First National Bank of South Miami Intercontinental Bank Mercantil Commercebank Trust Company, National Association Plus International Bank Professional Bank Terrabank, N.A City National Bank of Florida Intercredit Bank, NA Continental National Bank BankUnited, National Association Mercantil Commercebank, National Association Biscayne Bank TotalBank Gibraltar Private Bank & Trust Co Helm Bank USA Marquis Bank BAC Florida Bank Banesco USA Sabadell United Bank, N.A Banco Do Brasil Americas Coconut Grove Bank International Finance Bank First State Bank of the Florida Keys Ocean Bank Apollo Bank Pacific National Bank Sunstate Bank U.S. Century Bank Capital Bank, National Association st National Bank of South Florida Community Bank of Florida, Inc Interamerican Bank, A FSB Select Peer Average

23 STATEMENT OF CONDITION (% OF TOTAL FUNDING SOURCES) For the three months ended March 31, 2015 Institution Name Non Interest Bearing Deposits Interest Bearing Deposits Total Deposits Mercantil Commercebank Trust Company, National Association NA NA 0.00 Banco Do Brasil Americas International Finance Bank City National Bank of Florida Sunstate Bank Helm Bank USA Apollo Bank Banesco USA TotalBank First National Bank of South Miami Coconut Grove Bank Terrabank, N.A Community Bank of Florida, Inc Intercontinental Bank Marquis Bank st National Bank of South Florida BAC Florida Bank U.S. Century Bank Professional Bank Eastern National Bank Biscayne Bank Gibraltar Private Bank & Trust Co Espirito Santo Bank Executive National Bank Capital Bank, National Association Intercredit Bank, NA Interamerican Bank, A FSB Mercantil Commercebank, National Association BankUnited, National Association Plus International Bank Sabadell United Bank, N.A First State Bank of the Florida Keys Continental National Bank Ocean Bank Pacific National Bank Select Peer Average

24 STATEMENT OF CONDITION (% OF TOTAL FUNDING SOURCES) For the three months ended March 31, 2015 Institution Name Tot Fed Funds & Repos Other Borrowed Money Mercantil Commercebank Trust Company, National Association NA NA Espirito Santo Bank BankUnited, National Association Intercredit Bank, NA First State Bank of the Florida Keys Gibraltar Private Bank & Trust Co Pacific National Bank Mercantil Commercebank, National Association BAC Florida Bank Biscayne Bank st National Bank of South Florida TotalBank Sabadell United Bank, N.A Banesco USA Professional Bank Capital Bank, National Association Eastern National Bank Marquis Bank U.S. Century Bank Terrabank, N.A City National Bank of Florida Executive National Bank Ocean Bank Apollo Bank - - Banco Do Brasil Americas Coconut Grove Bank - - Community Bank of Florida, Inc. - - Continental National Bank First National Bank of South Miami - - Helm Bank USA - - Interamerican Bank, A FSB - - Intercontinental Bank - - International Finance Bank - - Plus International Bank Sunstate Bank Select Peer Average

25 YIELD, COSTS & SPREADS - ASSET YIELDS For the three months ended March 31, 2015 Institution Name Yield on Earning Assets Cost of Funds Net Interest Margin Avg Earning Assets/ Avg Assets Apollo Bank Community Bank of Florida, Inc Biscayne Bank Capital Bank, National Association Helm Bank USA BankUnited, National Association International Finance Bank Executive National Bank Plus International Bank Ocean Bank Terrabank, N.A Banesco USA Continental National Bank Professional Bank Eastern National Bank Intercredit Bank, NA Sabadell United Bank, N.A U.S. Century Bank Gibraltar Private Bank & Trust Co Interamerican Bank, A FSB City National Bank of Florida st National Bank of South Florida Marquis Bank Pacific National Bank TotalBank First State Bank of the Florida Keys BAC Florida Bank Banco Do Brasil Americas Sunstate Bank First National Bank of South Miami Mercantil Commercebank, National Association Espirito Santo Bank Coconut Grove Bank Intercontinental Bank Mercantil Commercebank Trust Company, National Associatio 1.89 NA Select Peer Average